Contest Rules

$100,000 Dream Big
Challenge Program Rules

“DREAM BIG TEACHER CHALLENGE” CONTEST OFFICIAL RULES"

DETAILS OF THE PRIZES AND HOW TO ENTER THE CONTEST ARE CONTAINED IN THESE OFFICIAL RULES.

Eligibility:

The "DREAM BIG TEACHER CHALLENGE” CONTEST (the "Contest") is
open to full-time, employed School (as herein after defined), Kindergarten (K) through Twelfth (12th)
Grade, who have been officially thanked at www.thankamericasteachers.com, who have not been
a “DREAM BIG TEACHER CHALLENGE” Contest Winner, who are
legal residents of the United States, excluding where otherwise prohibited by law,
rule or regulation, which are at least 18 years of age at the time of entry. This contest is specifically void outside the United States, in
Puerto Rico, and wherever prohibited by law. No purchase or payment is necessary
to enter or win contest and it will not increase your odds of winning.

As used in these contest rules, “School” means: (a) a publicly
funded or private daytime school (b) that has education of individuals under college
age as its primary purpose, (c) in which students attend on a full time basis, and
(d) that is organized according to a grade or grades K-12, and maintained for a grade
or grades, K-12. K-12” means kindergarten and grades 1 through 12.

Employees of Farmers Group, Inc. ("Sponsor") and Farmers
Insurance Exchange or any of their promotional or advertising agencies with regard
to this Contest and each of its and their respective parents, affiliates and
subsidiaries, and each of their respective officers, employees, directors, members,
legal representatives, agents, district managers, successors and assigns are not
eligible. Proof of legal U.S. residency, proof of employment as a full-time school
teacher (K-12th grade) at time of entry and at time of prize award and age may be
required. The Winner must be a full-time, employed school teacher in the United
States at the time of entry and on the date the Prize is awarded.

How to enter:

The Contest begins at 9:00 a.m. (Pacific Standard Time ("PST")
on January 10, 2018 and officially ends at 11:59:59 p.m. PST on December 31, 2018
("Contest Period"). The Contest will consist of an Entry Period, Judging Period,
Voting Period, Vote Results Period and Winner Announcement Period as follows:

Contest Entry Period:
January 10, 2018 through May 30, 2018 (Contestants submit written proposals
("Entry" or "Proposal") during this period);

Judging Period:
June 1, 2018 through September 28, 2018 (Sponsor will review and judge the Entries
and narrow the field down to the Top 15 Entries/Proposals and notify the Top 15
("Finalists"));

Voting Period:
October 4, 2018 through November 3, 2018 (The Finalist Entries will be posted
online at www.thankamericasteachers.com and the
general public can vote for their favorite Entry during ths period).

Winner Announcement Period:
November 26, 2018 through December 31, 2018 (Sponsor will notify all Winners)

Individuals (the “Contestant” or “Entrant”) can enter the
Contest by submitting a proposal during the Contest Entry Period by clicking on the
“Submit A Proposal” icon located on the “Thank America’s Teachers” website located
at www.thankamerciasteachers.com and following the
"Dream Big Teacher Challenge" proposal instructions ("Entry", "Entries", "Proposal"
or "Proposals"). You must register on the website to be eligible for the Contest.
Entries are limited to one (1) Entry per Contestant per Contest. During the Judging
Period, the Sponsor will review the proposals and judge the proposals based on the
following criteria: (1) Creativity, (2) Economic Need and (3) Community Impact. The
Sponsor will select the Top 15 Proposals ("Finalists"). Finalists will be notified
on or before September 28, 2018 of their selection. There will be up to fifteen (15)
Finalists (15 Total Finalists) and the Finalists' Proposals will be posted online at
www.thankamericasteachers.com for voting by the
general public during the Voting Period.

Proposals may be voted on by the general public one time per
day during the Voting Period. Sponsor reserves the right to not post or reject
submitted Proposals that do not comply with the guidelines posted on the website.
The top five (5) Proposals who receive the most votes will be declared the Winners
("Winners") and each Winner will be awarded the Prize. Up to five (5) total Winners
will be declared per Contest. Individuals who do not submit their Entry and/or do
not meet the additional eligibility requirements as set forth above will not be
eligible to win a Prize. Sponsor's computer is the official clock for all purposes
related to the Contest.

Sponsor, Farmers Insurance Exchange, and Sponsor Affiliates and
each of its advertising or promotion agencies with regard to the Contest and each of
its and their respective parents, affiliates and subsidiaries, and each of their
respective officers, employees, directors, members, legal representatives, agents,
successors and assigns (collectively, the "Released Parties") are not responsible
for lost, late, incomplete, garbled, illegible, or misdirected Contest Entries, or
for any error, human, technical or otherwise, which may occur in the processing of
Contest Entries. Proof of entry or participating in the Contest will not be deemed
to be proof of receipt. All Entries become the exclusive property of Sponsor and may
not be acknowledged. Any use of robotic, automatic, programmed or similar entry
methods or any attempt to manipulate the voting process will void all such Entries
by such methods. All Entries must be the original work and/or material of the
Contestant.

Selection of winner:

There will be up to five (5) winners per Contest (the
"Winner(s)"). A total of up to five (5) Winners will be declared over the course of
the Contest. The decisions of Sponsor, including the selection of the Finalists and
Winner(s), are final and binding on all matters relating to this Contest. Odds of
winning depend on the total number of Contestants during the Contest. Limit one (1)
Prize(s) per Winner per Contest.

Prize(s):

Each Winner will be awarded a $100,000.00 grant in the Winner's
name to be used solely and only for the purposes set forth in the winning Proposal
(the "Prize(s)").

Winner will not be receiving any cash or cash
equivalent value. The $100,000.00 Prize will be paid in the Winner's name directly
to a qualifying 501(c)(3) tax-exempt organization as designated and set forth in the
winning Proposal and approved by the Sponsor. Sponsor reserves the right to pay or
distribute the Prize as a lump sum or in installments based upon the fulfillment of
completed milestones as set forth in the winning Proposal. If Winner loses his or
her position as a full-time school teacher before expending or using the entire
$100,000 Prize amount, the unspent or unused portion of the Prize may be forfeited
as determined by Sponsor. All Prizes must be spent or used within one (1) year from
the date of award of Prize or otherwise the Prize or any remaining portion of the
Prize is forfeited.

Winner may be required to execute an Affidavit of Eligibility,
a liability release, a publicity release, a general release, a grant award agreement
and/or other documents, including, but not limited to, tax documents, as applicable,
except where prohibited by law. Winner is solely and fully responsible for any and
all applicable federal, state, and local taxes (including income and withholding
taxes). All costs and expenses associated with Prize acceptance and use not
specified herein as being provided, related to the Prize, including, but not limited
to, any taxes and other expenses incurred by accepting the Prize are the sole
responsibility of the Winner. All Prize(s) are awarded "As Is". Neither Sponsor, nor
Farmers Insurance Exchange, nor any of Sponsor's Affiliates, nor Released Parties,
make, nor are they in any manner responsible or liable for, any warranty,
representation or guarantee, express or implied, in fact or in law, relative to the
Prize(s) including but not limited to its quality, merchantability, fitness for a
particular purpose or condition.

Use of data:

Sponsor may be collecting personal data about Contestants
including, without limitation, name, phone number, email address, date of birth,
biographical information, city and state of residence and zip code when Contestant
enters the Contest or is selected as a Finalist or is selected as the Winner.
Finalist's and Winner's First and Last Name, representative school, photo, image,
likeness and city and state of residence may be posted on www.Farmers.com,
www.thankamericasteachers.com, and/or
www.Facebook.com/FarmersInsurance. Sponsor is entitled to use personal data
contained in all entries in accordance with the Sponsor's privacy policy. By
participating in the Contest, Contestants hereby agree to all personal information
uses and disclaimers as explained in Sponsor's Privacy Policy located at
Farmers.com. Please click on the provided link to read and review our Privacy
Policy: http://www.farmers.com/privacy_policy.html.

Agreement to official rules:

Participation in the contest constitutes contestant's
full and unconditional agreement to and acceptance of these official rules and
sponsor's privacy policy at Farmers.com. Contestants hereby consent and agree to be
contacted by telephone or email by a Farmers' agent or representative of sponsor or
sponsor's affiliates. Sponsor's decisions are final and binding. By entering this
contest you are agreeing to these official RULES WHICH ARE SUBJECT TO CHANGE WITHOUT
NOTICE.

Winner notification:

Winner will be notified by the Sponsor via telephone or email
or in person during the Winner Announcement Period. In the event that the Winner
does not respond to any such notification within forty-eight (48) hours of the first
such attempt, a disqualification may result and, at Sponsor's discretion, an
alternate Winner may be chosen from the Contestants with the next highest vote
total. Winner is subject to qualification by the Sponsor.

Except where otherwise expressly noted in these Official Rules,
the selection of all vendors, prizes, products and services is subject to the
Sponsor's sole and absolute discretion. Prize is nontransferable and
non-exchangeable. No substitutions or cash redemption of Prize is permitted except
that Sponsor retains the right to substitute a prize of equal or greater retail
value (or at Sponsor's election, the cash value of the applicable Prize). Additional
restrictions may apply.

No refunds or credit for changes are allowed. No transfer of
the Prize is permitted. Noncompliance within this time period may result in
disqualification, and an alternate winner may be selected. Return of any Prize
notification as undeliverable may result in disqualification and selection of an
alternate Winner.

General conditions:

The Contest is governed by the laws of the United States and
the State of California, excluding conflicts of laws principles. All federal, state
and local laws and regulations apply. Contestants and Winners hereby consent to the
exclusive jurisdiction and venue of California courts (state and federal) in Los
Angeles County for any causes or controversies arising out of the Contest.
Contestants and Winners waive any and all objections to jurisdiction and venue in
these courts.

Except where prohibited by law, Winners grant to Sponsor and
its advertising agencies the right to use and publish Winner's photo, image, name,
likeness, voice, opinions, biographical information, representative school and city
and state of residence in any media, currently known or unknown, and to promote the
Contest without additional compensation. Winner may be required by Sponsor to
participate in photo and/or video sessions. Winner agrees to make him/her available
for publicity purposes including, but not limited to, photo and video sessions and
public appearances without charge. Winner may be required to execute an Affidavit of
Eligibility, liability release, publicity release, general release, grant award
agreement and other documents, if necessary, including but not limited to tax
documents, as applicable, except where prohibited by law. Winner shall be solely
responsible for all applicable taxes on the value of the Prize and, if applicable,
will be issued an IRS 1099-MISC tax form for the real value of the Prize.

By entering, Contestants and Winners release, indemnify and
hold harmless Sponsor and the Released Parties from any and all liability for any
injuries, loss or damage of any kind, including death, arising from or in connection
with the Contest or receipt or use and/or misuse of any Prize. Contestant and Winner
hereby waive all rights to any claim(s), punitive, incidental or consequential
damages, or any other damages whatsoever, including court costs and attorneys' fees.
Furthermore, Contestant and Winner agree that any and all disputes and causes of
action arising out of or connected with this Contest and the Prize awarded shall be
resolved solely by Sponsor, shall be final and binding, and without resort to any
form of class action. Sponsor, Released Parties and its affiliates shall not be
responsible for Acts of God, acts of terrorism, actions or inactions of any
governmental entity (foreign or domestic) or its agencies and/or departments, civil
unrest or disturbances, riots, work stoppage delays, postponements, inclement
weather, rescheduling or any other natural disasters outside its respective
control.

Sponsor reserves the right, in its own discretion, to cancel or
modify the Contest or disqualify a Contestant or disqualify votes obtained, with or
without cause, or if fraud or any other factor impairs the spirit or integrity of
the Contest as determined by Sponsor in its sole discretion. If Sponsor cancels or
modifies the Contest, Sponsor reserves the right to award or not award Prizes in its
sole discretion.

Entries are deemed made by the authorized account holder of the
email account and associated e-mail address at the time of entry submission. The
"authorized account holder" is deemed the natural person who participates via his or
her email account and is assigned to an e-mail address by an Internet access
provider, service provider or other online organization that is responsible for
assigning e-mail addresses for the domain associated with the associated e-mail
address. A potential Winner may be requested to provide Sponsor with proof that the
potential Winner is the authorized account holder of the e-mail address account
associated with the winning entry is a legal United States resident and complies
with all the eligibility requirements of these Official Rules. Prize will only be
awarded to the authorized account holder.

If, in Sponsor's opinion, there is any suspected or actual
evidence of electronic or non-electronic tampering with any portion of the Contest,
or if technical difficulties or methods used to cast or obtain votes compromise the
spirit and/or integrity of the Contest, Sponsor reserves the right in its sole
discretion to void any entries at issue (including disqualifying any individual who
tampers or otherwise interferes with the entry process), and/or to cancel,
terminate, modify or suspend the Contest, in whole or in part, at any time without
notice. In the event of such cancellation, Sponsor reserves the right to award the
Prize(s) in a random drawing from all Contestants received before the time of
cancellation.

Sponsor in no way promotes illegal acts, and any and all
entries which include or promote illegal acts will be disqualified. Sponsor assumes
no responsibility for any error, omission, interruption, deletion, defect, delay in
operation or transmission, communications line failure, theft or destruction of
unauthorized access to, or alternation of, entries. Sponsor is not responsible for
any problems or technical malfunction of any telephone network or lines, computer
online systems, servers, or providers, computer equipment, software, e-mail or entry
received by Sponsor on account of technical problems or traffic congestion on the
Internet or at any web site, including www.farmers.com
or www.thankamericasteachers.com, any combination
thereof, or otherwise, including any injury or damage to Contestant's or any other
person's computer related to or resulting from participation or downloading any
materials in the Contest.

Caution:

Any attempt by a contestant to deliberately damage any
web site or undermine the legitimate operation of the contest may be a violation of
criminal and civil laws and should such an attempt be made, the sponsor reserves the
right to seek damages from any such person to the fullest extent permitted by
law.

Sponsor:

Farmers Group, Inc.
6301 Owensmouth Ave.
Woodland Hills, CA 91367

Name of winner:

Contest results and copy of these Official Rules may be
obtained by sending a self-addressed, stamped envelope to: "Dream Big Teacher Challenge"
c/o Farmers Insurance. Attention: Tu-Han Phan, 6301 Owensmouth Ave., Woodland Hills,
CA 91367. Results will be available on or about December 31, 2018. All requests must
be received by December 31, 2018.

$2,500 Grant
Program Rules

No purchase or payment necessary to enter or win. A free insurance quote or purchase from a Farmers agent or any of its affiliates, or payment of any kind, does not and will not increase your odds of winning. Contest void where prohibited.

Details of the prizes and how to enter the
contest are contained in these official rules.

Eligibility:

The "Farmers® Insurance Presents "Thank America's Teachers" Contest"
(the "Contest") is open to full-time, employed School (as herein after defined) teachers, Kindergarten (K)
through Twelfth (12th) Grade, who have been officially thanked at www.thankamericasteachers.com, who have not been
a "Thank America's Teachers" $2,500 Contest Winner, who
are legal residents of the United States, excluding where otherwise prohibited by
law, rule or regulation, which are at least 18 years of age at the time of entry.
This contest is specifically void outside the United States, in
Puerto Rico, and wherever prohibited by law. No purchase or payment is necessary
to enter or win contest and it will not increase your odds of winning.

As used in these contest rules, “School” means: (a) a publicly
funded or private daytime school (b) that has education of individuals under college
age as its primary purpose, (c) in which students attend on a full time basis, and
(d) that is organized according to a grade or grade K-12, and maintained for a grade
or grades, K-12. K-12” means kindergarten and grades1 through 12.

Employees of Farmers Group, Inc. ("Sponsor") and Farmers
Insurance Exchange or any of their promotional or advertising agencies with regard
to this Contest and each of its and their respective parents, affiliates and
subsidiaries, and each of their respective officers, employees, directors, members,
legal representatives, agents, district managers, successors and assigns are not
eligible. Proof of legal U.S. residency, proof of employment as a full-time school
teacher (K-12th grade) at time of entry and at time of prize award and age may be
required. The Winner must be a full-time, employed school teacher in the United
States at the time of entry and on the date the Prize is awarded.

How to enter:

The Contest begins at 9:00 a.m. (Pacific Standard Time ("PST")
on January 10, 2018 and officially ends at 11:59:59 p.m. PST on December 31, 2018.
The Contest will consist of three (3) Contest periods ("Contest Period(s)") with
three (3) Contest Entry Periods ("Contest Entry Period(s)") and three (3) Contest
Voting Periods ("Contest Voting Period(s)") where up to sixty (60) winners will be
declared for each Contest Period. A total of up to 180 winners will be declared
during the entire Contest. The Contest Periods, Contest Entry Periods and Contest
Voting Periods will be as follows:

Contest Period No. 1:
January 10, 2018 through May 30, 2018

Contest Entry Period No. 1:
January 10, 2018 through February 27, 2018

Contest Voting Period No. 1:
March 1, 2018 through March 31, 2018

Winners declared and notified for Contest Period No. 1:
April 2, 2018 through May 30, 2018

Contest Period No. 2:
April 2, 2018 through August 31, 2018

Contest Entry Period No. 2:
April 2, 2018 through May 30, 2018

Contest Voting Period No. 2:
June 1, 2018 through June 30, 2018

Winners declared and notified for Contest Period No. 2:
July 2, 2018 through August 31, 2018

Contest Period No. 3:
July 2, 2018 through December 31, 2018

Contest Entry Period No. 3:
July 2, 2018 through September 27, 2018

Contest Voting Period No. 3:
October 4, 2018 through November 3, 2018

Winners declared and notified for Contest Period No. 3:
November 4, 2018 through December 31, 2018

Individuals (the "Contestant" or "Entrant") can enter the
Contest by submitting a proposal during each
Contest Entry Period by clicking on the "Submit A Proposal" icon located on the
"Thank America's
Teachers" website located at www.thankamericasteachers.com and following the
proposal instructions
("Entry", "Entries", "Proposal" or "Proposals"). Entries are limited to one (1)
Entry per Contestant per
Contest Period. During the Contest Period, the Sponsor will review the proposals.
If the contestant submits multiple entries, only one (the most recent, last
submitted) entry will be posted. Once entries are submitted, no edits may be
made. At the end of the Contest Entry Period, submitted Proposals will
be posted online at www.thankamerciasteachers.com for
voting by the general public during the Contest Voting Period.

Proposals may be voted on by the general
public one time per day during the applicable Contest Voting Period. Sponsor
reserves the right to not post or reject submitted Proposals that do not comply with
the guidelines posted on the website. The top sixty (60) Proposals who receive the
most votes will be declared the Winners ("Winners"), limited to (5) Winners per
school district per Contest Period, and each Winner will be awarded the Prize, a
$2,500 credit to be used solely and only for classroom purposes through Adopt A
Classroom. An individual school may win up to five (5) times per calendar year. Up
to
sixty (60) total Winners will be declared per Contest Period. Individuals who do not
submit their Entry and/or do not meet the additional
eligibility requirements as set forth above will not be eligible to win a Prize.
Sponsor's computer is the official clock for all purposes related to the Contest.

Sponsor, Farmers Insurance Exchange, Sponsor Affiliates, and
Adopt A Classroom and each of its advertising or promotion agencies with regard to
the Contest and each of its and their respective parents, affiliates and
subsidiaries, and each of their respective officers, employees, directors, members,
legal representatives, agents, successors and assigns (collectively, the "Released
Parties") are not responsible for lost, late, incomplete, garbled, illegible, or
misdirected Contest Entries, or for any error, human, technical or otherwise, which
may occur in the processing of Contest Entries. Proof of entry or participating in
the Contest will not be deemed to be proof of receipt. All Entries become the
exclusive property of Sponsor and may not be acknowledged. Any use of robotic,
automatic, programmed or similar entry methods or any attempt to manipulate the
voting process will void all such Entries by such methods. All Entries must be the
original work and/or material of the Contestant.

Selection of winner:

There will be up to sixty (60) winners per Contest Period (the
"Winner(s)"). A total of up to 180 Winners (60 Winners per Contest Period, 3 Contest
Periods) will be declared over the course of the Contest. The decisions of Sponsor,
including the selection of the Winner(s), are final and binding on all matters
relating to this Contest. Odds of winning depend on the total number of Contestants
during each Contest Period. Limit one (1) Prize(s) per Winner per "Thank America's Teacher's" $2,500 Contest.

Prize(s):

Each Winner will be awarded a $2,500 credit to be used solely
and only for classroom purposes through Adopt A Classroom (the "Prize(s)").

Winner will not be receiving any cash or cash
equivalent value. The $2,500 Prize value will be paid in the Winner's name directly
to "Adopt A Classroom" only. If Winner loses his or her position as a full-time
school teacher before expending or using the entire $2,500 Prize amount, the unspent
or unused portion of the Prize will be forfeited. All Prizes must be spent or used
within one (1) year from the date of award of Prize or otherwise the Prize or any
remaining portion of the Prize is forfeited.

Winner may be required to execute an Affidavit of Eligibility,
a liability release, a publicity release, a general release, and/or other documents,
including, but not limited to, tax documents, as applicable, except where prohibited
by law. Winner is solely and fully responsible for any and all applicable federal,
state, and local taxes (including income and withholding taxes). All costs and
expenses associated with Prize acceptance and use not specified herein as being
provided, related to the Prize, including, but not limited to, any taxes and other
expenses incurred by accepting the Prize are the sole responsibility of the Winner.
All Prize(s) are awarded "As Is". Neither Sponsor, nor Farmers Insurance Exchange,
nor any of Sponsor's Affiliates, nor Released Parties, make, nor are they in any
manner responsible or liable for, any warranty, representation or guarantee, express
or implied, in fact or in law, relative to the Prize(s) including but not limited to
its quality, merchantability, fitness for a particular purpose or condition.

Use of data:

Sponsor may be collecting personal data about Contestants
including, without limitation, name, phone number, email address, date of birth,
biographical information, city and state of residence and zip code when Contestant
enters the Contest or is selected as the Winner. Winner's First and Last Name,
representative school, photo, image, likeness and city and state of residence may be
posted on www.Farmers.com, www.thankamericasteachers.com, and/or
www.Facebook.com/FarmersInsurance. Sponsor is entitled to use personal data
contained in all entries in accordance with the Sponsor's privacy policy. By
participating in the Contest, Contestants hereby agree to all personal information
uses and disclaimers as explained in Sponsor's Privacy Policy located at
Farmers.com. Please click on the provided link to read and review our Privacy
Policy: http://www.farmers.com/privacy_policy.html.

Agreement to official rules:

PARTICIPATION IN THE CONTEST CONSTITUTES CONTESTANT'S FULL AND
UNCONDITIONAL AGREEMENT TO AND ACCEPTANCE OF THESE OFFICIAL RULES AND SPONSOR'S
PRIVACY
POLICY AT FARMERS.COM. CONTESTANTS HEREBY CONSENT AND AGREE TO BE CONTACTED BY
TELEPHONE
OR EMAIL BY A FARMERS’ AGENT OR REPRESENTATIVE OF SPONSOR OR SPONSOR’S AFFILIATES.
SPONSOR’S DECISIONS ARE FINAL AND BINDING. BY ENTERING THIS CONTEST YOU ARE AGREEING
TO THESE OFFICIAL RULES WHICH ARE SUBJECT TO CHANGE WITHOUT NOTICE.

Winner notification:

Winner will be notified by the Sponsor via telephone or email.
In the event that the Winner does not respond to any such notification within
forty-eight (48) hours of the first such attempt, a disqualification may result and,
at Sponsor's discretion, an alternate Winner may be chosen from the Contestants with
the next highest vote total. Winner is subject to qualification by the Sponsor.

Except where otherwise expressly noted in these Official Rules,
the selection of all vendors, prizes, products and services is subject to the
Sponsor's sole and absolute discretion. Prize is nontransferable and
non-exchangeable. No substitutions or cash redemption of Prize is permitted except
that Sponsor retains the right to substitute a prize of equal or greater retail
value (or at Sponsor's election, the cash value of the applicable Prize). Additional
restrictions may apply.

No refunds or credit for changes are allowed. No transfer of
the Prize is permitted. Noncompliance within this time period may result in
disqualification, and an alternate winner may be selected. Return of any Prize
notification as undeliverable may result in disqualification and selection of an
alternate Winner.

Winners who qualify for a $2,500 grant through "Thank America's Teacher's" Contest agree to the following
and understand the following will be relied upon in connection with "Thank America's Teacher's" Contest.

Acceptance of prize constitutes permission for Sponsor to use
the names, image, voice and/or likenesses and/or entry submission of the Winners for
purposes of advertising and trade without further compensation, including, but not
limited to, a winners list, unless prohibited by law. In addition, each Winner may
be required by Sponsor to participate in a photo and/or video session(s); each
agrees that Sponsor has the right to use his or her name, voice, likeness and/or
image and such publicity photos, and video(s), in any media (including, but not
limited to, television and the Internet), and in any reasonable manner Sponsor deems
fit.

For good and valuable consideration, Winners hereby give
consent to the use of his or her name, likeness, image, voice and/or appearance in
media for purposes of advertising, publicity, marketing, and trade, including, but
limited to, a winners' list, and consent to having his or her video and/or images
posted at www.thankamericasteachers.com,
www.Facebook.com/FarmersInsurance, or any other social media or promotional site
owned, operated, managed or controlled by Sponsor or on behalf of Sponsor and its
agencies without compensation other than Contest Prize.

Winners understand that the Prize includes: a $2,500 grant on
his or her behalf which must be used to purchase school supplies through Adopt A
Classroom.org. Grant checks will not be written to the Winner(s). The grant checks
will be written to Adopt A Classroom.org and the winning teachers will access their
funds through Adopt A Classroom only. Sponsor is not responsible or liable for the
disbursement of funds from Adopt A Classroom.org or any third party. Winners will
not receive cash or any cash equivalent value.

Winners agree to release, discharge and hold harmless Sponsor
and its advertising, promotion and internet agencies from and against any and all
liability (including damages caused or claimed to be caused) arising out of
participation and/or acceptance/use of prize, and agree to be bound by the Official
Rules and Sponsor's Contest decisions, which are final and binding.

General conditions:

The Contest is governed by the laws of the United States and
the State of California, excluding conflicts of laws principles. All federal, state
and local laws and regulations apply. Contestants and Winners hereby consent to the
exclusive jurisdiction and venue of California courts (state and federal) in Los
Angeles County for any causes or controversies arising out of the Contest.
Contestants and Winners waive any and all objections to jurisdiction and venue in
these courts.

Except where prohibited by law, Winners grant to Sponsor and
its advertising agencies the right to use and publish Winner's photo, image, name,
likeness, voice, opinions, biographical information, representative school and city
and state of residence in any media, currently known or unknown, and to promote the
Contest without additional compensation. Winner may be required by Sponsor to
participate in photo and/or video sessions. Winner agrees to make him/her available
for publicity purposes including, but not limited to, photo and video sessions and
public appearances without charge.

Winner may be required to execute an Affidavit of Eligibility,
liability release, publicity release, general release and other documents, if
necessary, including but not limited to tax documents, as applicable, except where
prohibited by law. Winner shall be solely responsible for all applicable taxes on
the value of the Prize and, if applicable, will be issued an IRS 1099-MISC tax form
for the real value of the Prize.

By entering, Contestants and Winners release, indemnify and
hold harmless Sponsor and the Released Parties from any and all liability for any
injuries, loss or damage of any kind, including death, arising from or in connection
with the Contest or receipt or use and/or misuse of any Prize. Contestant and Winner
hereby waive all rights to any claim(s), punitive, incidental or consequential
damages, or any other damages whatsoever, including court costs and attorneys' fees.
Furthermore, Contestant and Winner agree that any and all disputes and causes of
action arising out of or connected with this Contest and the Prize awarded shall be
resolved solely by Sponsor, shall be final and binding, and without resort to any
form of class action. Sponsor, Released Parties and its affiliates shall not be
responsible for Acts of God, acts of terrorism, actions or inactions of any
governmental entity (foreign or domestic) or its agencies and/or departments, civil
unrest or disturbances, riots, work stoppage delays, postponements, inclement
weather, rescheduling or any other natural disasters outside its respective
control.

Sponsor reserves the right, in its own discretion, to cancel or
modify the Contest or disqualify a Contestant or disqualify votes obtained, with or
without cause, or if fraud or any other factor impairs the spirit or integrity of
the Contest as determined by Sponsor in its sole discretion. If Sponsor cancels or
modifies the Contest, Sponsor reserves the right to award or not award Prizes in its
sole discretion.

Entries are deemed made by the authorized account holder of the
email account and associated e-mail address at the time of entry submission. The
"authorized account holder" is deemed the natural person who participates via his or
her email account and is assigned to an e-mail address by an Internet access
provider, service provider or other online organization that is responsible for
assigning e-mail addresses for the domain associated with the associated e-mail
address. A potential Winner may be requested to provide Sponsor with proof that the
potential Winner is the authorized account holder of the e-mail address account
associated with the winning entry is a legal United States resident and complies
with all the eligibility requirements of these Official Rules. Prize will only be
awarded to the authorized account holder.

If, in Sponsor's opinion, there is any suspected or actual
evidence of electronic or non-electronic tampering with any portion of the Contest,
or if technical difficulties or methods used to cast or obtain votes compromise the
spirit and/or integrity of the Contest, Sponsor reserves the right in its sole
tampers or otherwise interferes with the entry process), and/or to cancel,
terminate, modify or suspend the Contest, in whole or in part, at any time without
notice. In the event of such cancellation, Sponsor reserves the right to award the
discretion to void any entries at issue (including disqualifying any individual who
Prize(s) in a random drawing from all Contestants received before the time of
cancellation.

Sponsor in no way promotes illegal acts, and any and all
entries which include or promote illegal acts will be disqualified. Sponsor assumes
no responsibility for any error, omission, interruption, deletion, defect, delay in
operation or transmission, communications line failure, theft or destruction of
unauthorized access to, or alternation of, entries. Sponsor is not responsible for
any problems or technical malfunction of any telephone network or lines, computer
online systems, servers, or providers, computer equipment, software, e-mail or entry
received by Sponsor on account of technical problems or traffic congestion on the
Internet or at any web site, including www.farmers.com
or www.thankamericasteachers.com, any combination
thereof, or otherwise, including any injury or damage to Contestant's or any other
person's computer related to or resulting from participation or downloading any
materials in the Contest.

Caution:

Any attempt by a contestant to deliberately damage any
web site or undermine the legitimate operation of the contest may be a violation of
criminal and civil laws and should such an attempt be made, the sponsor reserves the
right to seek damages from any such person to the fullest extent permitted by
law.

Sponsor:

Farmers Group, Inc.
6301 Owensmouth Ave.
Woodland Hills, CA 91367

Name of winner:

Contest results and copy of these Official Rules may be
obtained by sending a self-addressed, stamped envelope to: "Farmers Insurance Presents: Thank Amercia's Teachers"
c/o Farmers Insurance. Attention: Tu-Han Phan, 6301 Owensmouth Ave., Woodland Hills,
CA 91367. Results will be available within 30 days of the end of each Contest
Period. All requests must be received by December 31, 2018.